2980 Nottel Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2980 Nottel Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,699 sqft · built 2021
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$297,004 (Jun 2021)
Tax Bill	$5,884 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-26-31-3429-0001-1900`

Property Details

APN / Parcel Number

Primary APN	`20-26-31-3429-0001-1900`
Alternative APN	`263120342900011900`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,699 sqft Living Area
Gross Area	2,338 sqft
1st Floor Area	1,699 sqft
Flooring	Tile

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Conventional
Exterior Material	Concrete Block/Stucco
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	441 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2980 NOTTEL DR
City	SAINT CLOUD
State	FL
Zip	34772-8766
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HANOVER LAKES PH 3 PB 29 PGS 5-8 LOT 190
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	HANOVER LAKES
Legal Phase	3
Legal Lot Number	190
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1041
Census Tract	43301

Owner

Source: Osceola County records, as of October 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2980 NOTTEL DR, SAINT CLOUD, FL 34772-8766
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2023	Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC
Jun 24, 2021	Special Warranty Deed, Transfer · FHA Mortgage HOMETOWN LENDERS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2021 · Amount on Record
Deed Sale	Jun 24, 2021 · Amount on Record
Deed Document Number	202198909
Deed Book / Page	5988 / 971
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2980 NOTTEL DR, SAINT CLOUD, FL 34772-8766
Transaction Type	Mortgage
Record Updated	Oct 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2980 NOTTEL DR, SAINT CLOUD, FL 34772-8766

Mortgage

Document Number	0064810487
Date	Sep 28, 2023
Book Page	6481/487
Instrument	2023127661

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	334 Months
Due	Jul 1, 2051

June 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 24, 2021
Property Address	2980 NOTTEL DR, SAINT CLOUD, FL 34772-8766
Document Number	0059880971
Book / Page	5988 / 971
Map Reference	MB 29 PG 5-8
Instrument Date	Jun 22, 2021
Instrument	2021098909
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	TRINITY TITLE COMPANY/CTRL FL LLC, TRINITY TTL CO OF CTRL FL LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,079.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	605 COMMONWEALTH AVE, ORLANDO, FL 32803-5223

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2980 NOTTEL DR, SAINT CLOUD, FL 34772-8766

Mortgage

Document Number	0005988973
Date	Jun 24, 2021
Instrument	5988/973

Lender

Name	HOMETOWN LENDERS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,884.00 (+6.83%) Homeowner's exemption	$296,932 (+5.99%)	$320,100 (+0.91%) Land $75,000 Building $245,100
2023	$5,508.00 (+2.68%) Homeowner's exemption	$280,160 (+3%)	$317,200 (+16.62%) Land $70,000 Building $247,200
2022	$5,364.00 Homeowner's exemption	$272,000 Land $60,000 Building $212,000	$272,000 Land $60,000 Building $212,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 173 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	173 in force
Nearby Flood Claims	14 (1987–2022)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 8 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 59% of the US · lower than 67% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 303 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, CenturyLink.

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